Greene County Bancorp Inc
GCBC Nasdaq Savings Institutions, Not Federally Chartered Financials FY2017–FY2026
Revenue
Total sales reported in the income statement.
$92.6M
22.9%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
47.2%
5.0 pts
Net income
Profit after all expenses, interest and tax.
$41.0M
31.7%
Return on equity
Net income as a share of average shareholders' equity.
15.9%
1.9 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $2.41 EPS (TTM)
What Greene County Bancorp Inc does
No business description yet.
- Legal name
- GREENE COUNTY BANCORP INC
- Fiscal year ends
- June 30, 2026
- Latest annual report
- 10-K · Sep 9, 2026
- Accession · CIK
- 0001140361-26-035998
0001070524
Revenue and margins
Greene County Bancorp Inc had $92.6M of revenue in fiscal 2026, up 22.9% on the year before.
FY17
Revenue $36.8M
FY18
Revenue $3.7M
FY19
Revenue $4.1M
FY20
Revenue $53.5M
FY21
Revenue $62.8M
FY22
Revenue $70.1M
FY23
Revenue $73.4M
FY24
Revenue $64.9M
FY25
Revenue $75.4M
FY26
Revenue $92.6M
Q1 '24
Revenue $16.7M
Q2 '24
Revenue $15.9M
Q3 '24
Revenue $15.7M
Q4 '24
Revenue $16.6M
Q1 '25
Revenue $16.9M
Q2 '25
Revenue $17.9M
Q3 '25
Revenue $20.1M
Q4 '25
Revenue $20.5M
Q1 '26
Revenue $21.5M
Q2 '26
Revenue $22.2M
Q3 '26
Revenue $23.9M
Q4 '26
Revenue $25.0M
FY17
Net interest share 82.5%
Efficiency ratio 54.2%
FY18
Net interest share 941.8%
Efficiency ratio 603.2%
FY19
Net interest share 971.6%
Efficiency ratio 623.7%
FY20
Net interest share 83.8%
Efficiency ratio 52.0%
FY21
Net interest share 84.6%
Efficiency ratio 49.7%
FY22
Net interest share 82.7%
Efficiency ratio 48.4%
FY23
Net interest share 83.4%
Efficiency ratio 52.6%
FY24
Net interest share 78.6%
Efficiency ratio 57.5%
FY25
Net interest share 79.8%
Efficiency ratio 52.2%
FY26
Net interest share 84.2%
Efficiency ratio 47.2%
Net interest share
Efficiency ratio
Q1 '24
Net interest share 80.3%
Efficiency ratio 52.8%
Q2 '24
Net interest share 78.1%
Efficiency ratio 58.8%
Q3 '24
Net interest share 78.3%
Efficiency ratio 58.8%
Q4 '24
Net interest share 77.6%
Efficiency ratio 59.7%
Q1 '25
Net interest share 77.9%
Efficiency ratio 56.6%
Q2 '25
Net interest share 78.4%
Efficiency ratio 52.3%
Q3 '25
Net interest share 80.8%
Efficiency ratio 50.0%
Q4 '25
Net interest share 81.6%
Efficiency ratio 50.8%
Q1 '26
Net interest share 81.5%
Efficiency ratio 46.8%
Q2 '26
Net interest share 85.8%
Efficiency ratio 47.1%
Q3 '26
Net interest share 84.5%
Efficiency ratio 47.2%
Q4 '26
Net interest share 84.7%
Efficiency ratio 47.7%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2017 to 2026, diluted EPS grew 7.0% a year. Loss periods are shown in red.
FY17
Net income $11.2M
FY18
Net income $14.4M
FY19
Net income $17.5M
FY20
Net income $18.7M
FY21
Net income $23.9M
FY22
Net income $28.0M
FY23
Net income $30.8M
FY24
Net income $24.8M
FY25
Net income $31.1M
FY26
Net income $41.0M
Q1 '24
Net income $6.5M
Q2 '24
Net income $5.7M
Q3 '24
Net income $5.9M
Q4 '24
Net income $6.7M
Q1 '25
Net income $6.3M
Q2 '25
Net income $7.5M
Q3 '25
Net income $8.1M
Q4 '25
Net income $9.3M
Q1 '26
Net income $8.9M
Q2 '26
Net income $10.3M
Q3 '26
Net income $10.5M
Q4 '26
Net income $11.3M
FY17
Diluted EPS $1.31
FY18
Diluted EPS $1.69
FY19
Diluted EPS $2.05
FY20
Diluted EPS $2.20
FY21
Diluted EPS $2.81
FY22
Diluted EPS $1.64
FY23
Diluted EPS $1.81
FY24
Diluted EPS $1.45
FY25
Diluted EPS $1.83
FY26
Diluted EPS $2.41
Q1 '24
Diluted EPS $0.38
Q2 '24
Diluted EPS $0.34
Q3 '24
Diluted EPS $0.34
Q4 '24
Diluted EPS $0.39
Q1 '25
Diluted EPS $0.37
Q2 '25
Diluted EPS $0.44
Q3 '25
Diluted EPS $0.47
Q4 '25
Diluted EPS $0.55
Q1 '26
Diluted EPS $0.52
Q2 '26
Diluted EPS $0.60
Q3 '26
Diluted EPS $0.62
Q4 '26
Diluted EPS $0.67
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY17
ROE 13.4%
ROTE 13.4%
Efficiency ratio 54.2%
FY18
ROE 16.0%
ROTE 15.0%
Efficiency ratio 603.2%
FY19
ROE 16.8%
ROTE 15.6%
Efficiency ratio 623.7%
FY20
ROE 15.5%
ROTE 14.5%
Efficiency ratio 52.0%
FY21
ROE 17.2%
ROTE 16.0%
Efficiency ratio 49.7%
FY22
ROE 18.2%
ROTE 17.7%
Efficiency ratio 48.4%
FY23
ROE 18.1%
ROTE 16.8%
Efficiency ratio 52.6%
FY24
ROE 12.7%
ROTE 12.0%
Efficiency ratio 57.5%
FY25
ROE 14.0%
ROTE 13.0%
Efficiency ratio 52.2%
FY26
ROE 15.9%
ROTE 14.8%
Efficiency ratio 47.2%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
Greene County Bancorp Inc returned $4.1M to shareholders in fiscal 2026, 10% of free cash flow. The diluted share count fell 0.0%.
FY17
Dividends $1.9M
Buybacks —
FY18
Dividends $1.5M
Buybacks —
FY19
Dividends $2.0M
Buybacks $0.0M
FY20
Dividends $2.2M
Buybacks $0.6M
FY21
Dividends $2.4M
Buybacks $0.0M
FY22
Dividends $2.6M
Buybacks —
FY23
Dividends $2.2M
Buybacks —
FY24
Dividends $3.2M
Buybacks —
FY25
Dividends $4.5M
Buybacks $0.0M
FY26
Dividends $4.0M
Buybacks $0.0M
Dividends
Buybacks
Q1 '24
Dividends $1.4M
Buybacks —
Q2 '24
Dividends $0.6M
Buybacks —
Q3 '24
Dividends $0.6M
Buybacks —
Q4 '24
Dividends $0.6M
Buybacks —
Q1 '25
Dividends $1.5M
Buybacks —
Q2 '25
Dividends $1.5M
Buybacks —
Q3 '25
Dividends $0.7M
Buybacks —
Q4 '25
Dividends $0.7M
Buybacks —
Q1 '26
Dividends $0.8M
Buybacks —
Q2 '26
Dividends $0.8M
Buybacks —
Q3 '26
Dividends $1.7M
Buybacks —
Q4 '26
Dividends $0.8M
Buybacks —
Dividends
Buybacks
FY17
Diluted shares 0.01B
FY18
Diluted shares 0.01B
FY19
Diluted shares 0.01B
FY20
Diluted shares 0.01B
FY21
Diluted shares 0.01B
FY22
Diluted shares 0.02B
FY23
Diluted shares 0.02B
FY24
Diluted shares 0.02B
FY25
Diluted shares 0.02B
FY26
Diluted shares 0.02B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY17
Loans $624M
Deposits $860M
FY18
Loans $704M
Deposits $1.0B
FY19
Loans $786M
Deposits $1.1B
FY20
Loans $994M
Deposits $1.5B
FY21
Loans —
Deposits $2.0B
FY22
Loans —
Deposits $2.2B
FY23
Loans —
Deposits $2.4B
FY24
Loans —
Deposits $2.4B
FY25
Loans —
Deposits $2.6B
FY26
Loans —
Deposits $2.7B
Loans
Deposits
| Fiscal year end | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Deposits | $2.2B | $2.4B | $2.4B | $2.6B | $2.7B |
| Total assets | $2.6B | $2.7B | $2.8B | $3.0B | $3.2B |
| Shareholders' equity | $158M | $183M | $206M | $239M | $278M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $36.8M | $3.7M | $4.1M | $53.5M | $62.8M | $70.1M | $73.4M | $64.9M | $75.4M | $92.6M |
| Net interest income | $30.4M | $34.9M | $40.0M | $44.8M | $53.1M | $58.0M | $61.2M | $51.0M | $60.1M | $77.9M |
| Noninterest income | $6.4M | $7.5M | $8.4M | $8.7M | $9.7M | $12.1M | $12.1M | $13.9M | $15.2M | $14.7M |
| Noninterest expense | $20.0M | $22.4M | $25.7M | $27.8M | $31.2M | $34.0M | $38.6M | $37.3M | $39.4M | $43.7M |
| Provision for credit losses | $1.9M | $1.5M | $1.7M | $3.9M | — | — | −$1.1M | $0.8M | $1.3M | $2.0M |
| Interest expense | $3.1M | $4.0M | $6.3M | $8.5M | $5.2M | $5.4M | $23.4M | — | — | — |
| Pretax income | $14.9M | $18.5M | $21.0M | $21.8M | $27.6M | $32.9M | $35.8M | $26.8M | $34.7M | $46.8M |
| Income tax | $3.7M | $4.1M | $3.5M | $3.0M | $3.7M | $4.9M | $5.0M | $2.1M | $3.5M | $5.8M |
| Net income | $11.2M | $14.4M | $17.5M | $18.7M | $23.9M | $28.0M | $30.8M | $24.8M | $31.1M | $41.0M |
| Diluted EPS | $1.31 | $1.69 | $2.05 | $2.20 | $2.81 | $1.64 | $1.81 | $1.45 | $1.83 | $2.41 |
| Diluted shares | 0.01B | 0.01B | 0.01B | 0.01B | 0.01B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B |
| Cash flow | ||||||||||
| Cash from operations | $14.0M | $20.7M | $21.6M | $26.7M | $27.8M | $35.4M | $28.1M | $24.9M | $28.0M | $42.3M |
| Capital expenditure | $0.1M | $0.3M | $0.6M | $1.1M | $1.3M | $1.1M | $1.5M | $1.5M | $0.7M | $0.7M |
| Free cash flow | $14.0M | $20.3M | $21.0M | $25.6M | $26.5M | $34.3M | $26.6M | $23.4M | $27.3M | $41.6M |
| Share buybacks | — | — | $0.0M | $0.6M | $0.0M | — | — | — | $0.0M | $0.0M |
| Dividends paid | $1.9M | $1.5M | $2.0M | $2.2M | $2.4M | $2.6M | $2.2M | $3.2M | $4.5M | $4.0M |
| Dividends and buybacks | $1.9M | $1.5M | $2.0M | $2.9M | $2.4M | $2.6M | $2.2M | $3.2M | $4.5M | $4.1M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $16.3M | $26.5M | $29.5M | $40.5M | $150M | $69.0M | $196M | $190M | $183M | $145M |
| Total debt | — | — | — | — | $0.0M | $0.0M | $0.0M | — | — | — |
| Loans, net | $624M | $704M | $786M | $994M | — | — | — | — | — | — |
| Deposits | $860M | $1.0B | $1.1B | $1.5B | $2.0B | $2.2B | $2.4B | $2.4B | $2.6B | $2.7B |
| Property and equipment, net | $13.6M | $13.3M | $13.3M | $13.7M | $14.1M | $14.4M | $15.0M | $15.6M | $15.2M | $14.8M |
| Total assets | $982M | $1.2B | $1.3B | $1.7B | $2.2B | $2.6B | $2.7B | $2.8B | $3.0B | $3.2B |
| Total liabilities | $899M | $1.1B | $1.2B | $1.5B | $2.1B | $2.4B | $2.5B | $2.6B | $2.8B | $2.9B |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $83.5M | $96.2M | $112M | $129M | $150M | $158M | $183M | $206M | $239M | $278M |
| Margins | ||||||||||
| Net margin | 30.4% | 388.7% | 424.7% | 35.0% | 38.1% | 39.9% | 42.0% | 38.2% | 41.3% | 44.3% |
| FCF margin | 38.0% | 548.9% | 511.0% | 47.9% | 42.2% | 48.9% | 36.2% | 36.1% | 36.2% | 44.9% |
| Net interest share of revenue | 82.5% | 941.8% | 971.6% | 83.8% | 84.6% | 82.7% | 83.4% | 78.6% | 79.8% | 84.2% |
| Efficiency ratio | 54.2% | 603.2% | 623.7% | 52.0% | 49.7% | 48.4% | 52.6% | 57.5% | 52.2% | 47.2% |
| Returns | ||||||||||
| Return on equity | 13.4% | 16.0% | 16.8% | 15.5% | 17.2% | 18.2% | 18.1% | 12.7% | 14.0% | 15.9% |
| Return on assets | 1.1% | 1.4% | 1.4% | 1.3% | 1.2% | 1.2% | 1.2% | 0.9% | 1.1% | 1.3% |
| Return on tangible equity | 13.4% | 15.0% | 15.6% | 14.5% | 16.0% | 17.7% | 16.8% | 12.0% | 13.0% | 14.8% |
| Growth | ||||||||||
| Revenue growth | — | −89.9% | 11.1% | 1,199.1% | 17.4% | 11.7% | 4.6% | −11.6% | 16.1% | 22.9% |
| Net income growth | — | 28.8% | 21.3% | 7.1% | 27.8% | 16.9% | 10.0% | −19.5% | 25.7% | 31.7% |
| EPS growth | — | 29.0% | 21.3% | 7.3% | 27.7% | −41.6% | 10.4% | −19.9% | 26.2% | 31.7% |
| FCF growth | — | 45.6% | 3.4% | 21.7% | 3.5% | 29.5% | −22.5% | −11.9% | 16.6% | 52.3% |
| Share count change | — | 0.3% | 0.0% | −0.1% | −0.2% | 100.0% | 0.0% | 0.0% | 0.0% | −0.0% |
| Financial health | ||||||||||
| Debt / equity | — | — | — | — | 0.0x | 0.0x | 0.0x | — | — | — |
| Loans / deposits | 72.6% | 68.7% | 70.1% | 66.2% | — | — | — | — | — | — |
| Provision / loans | 0.3% | 0.2% | 0.2% | 0.4% | — | — | — | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 0.2% | 8.7% | 14.3% | 2.1% | 2.0% | 1.5% | 2.1% | 2.3% | 0.9% | 0.8% |
| Payouts / FCF | 13.7% | 7.5% | 9.7% | 11.2% | 9.2% | 7.7% | 8.2% | 13.8% | 16.4% | 9.8% |
| Quality scores | ||||||||||
| Piotroski F-score | — | — | — | — | — | 4.0 | 4.0 | — | — | — |
| Accruals ratio | −0.3% | −0.6% | −0.3% | −0.5% | −0.2% | −0.3% | 0.1% | −0.0% | 0.1% | −0.0% |
Source: SEC EDGAR XBRL filings (CIK 0001070524). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.